Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44353 reviews)

View other Zopa products

4.87

Based on 44,353 reviews, last reviewed 20th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

This is one of the reasons why I chose him. Compared with other banks' credit cards, there are very few credit cards without currency conversion fees at present! Reviewed on: 20th August 2026

Latest lowest rating:

1

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 2026

Read all reviews See your review

About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44353)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

The best credit card

It’s quick and easy to use and the best credit card till now =))) Reviewed on: 22nd February 2023

Pretty happy

Mainly positive and would recommend, only negative is APR higher that other lenders Reviewed on: 22nd February 2023

Great company

Zopa are one of the best company’s I have ever dealt with, they gave me a credit card when I needed one and it was hassle free. Reviewed on: 22nd February 2023

Great overall service

I have been with them since last few years , always found them great customer service Reviewed on: 22nd February 2023

Excellent service and easy to apply

Quick easy, application process and the online help is fantastic Reviewed on: 22nd February 2023

My favourite card

Zopa credit card is way in front of the others easy to use and when you transfer funds to the card the funds are available straight away and not in 2 days. ZOPA keep up the good work Bruce Henderson Reviewed on: 22nd February 2023

Great for building your credit score

Absolutely brilliant it's helped me build my credit score and they are so helpful if you want to talk about anything else Reviewed on: 22nd February 2023

Back on track with Zopa

Fantastic opportunity and resource to build your credit score Reviewed on: 22nd February 2023

Easy to talk to and helpful

Everything is easy to sort out everything is there you can talk online without phoning Reviewed on: 22nd February 2023

Quick easy extremely helpful

Excellent flexibility and any payments made are instantly added to your balance. Reviewed on: 22nd February 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Aqua credit cards
from NewDay 4.71 from 3313 reviews
Hilton Honors Credit Card
from Barclaycard 4.10 from 11 reviews
Avios Credit Card
from TSB 3.50 from 20 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69089 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.83 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub